Savings Circles
Ajo & Esusu, without the wahala.
Save a fixed amount with people you trust and collect the whole pot when it's your turn. Kashlet keeps the order, the payments and the payouts honest — so nobody has to chase anyone.
₦5,000 Monthly — Batch #2
Active10 members, each collects ₦50,000 in rotation.
₦5,000
Per cycle
10/10
Members
#2
My turn
Monthly
Frequency
💳
Add Funds
🔄
Auto-debit
🔗
Copy link
💬
Payout rotation
Chiamaka Eze · Rent
₦10K paid in
You · My monthly income
₦5K paid in
Tobi Adeyemi · Vacation
₦5K paid in
Aisha Bello
₦10K paid in
Emeka Okafor · Business
₦5K paid in
5+
Members per circle
Weekly
Fortnightly or monthly
₦0
To join
100%
Of payments tracked
How it works
Simple from the first tap.
Join or create
Pick a ready-made circle — like ₦5,000 weekly with 10 members, each collecting ₦50,000 — or start your own with friends, family or colleagues.
Save each cycle
Put in your fixed amount weekly, every two weeks or monthly by card or bank transfer. Everyone sees who has paid.
Collect your turn
When it’s your turn, the full pot is paid to your bank account. The order is set at the start and can’t be changed.
See it for yourself
See a circle in action
Short walkthroughs: joining a circle, paying in, and collecting your payout.
From joining a circle to collecting your payout.
For salary earners & business owners
Video coming soon
How Kashlet fits into your monthly income and savings goals.
📒
Every naira tracked
Each payment and payout is recorded on our ledger, so there are no arguments about who paid what.
🛡️
Protected rotation
A 5% fee on each payout funds a protection reserve that helps keep the circle moving if a member pays late.
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Reminders, not chasing
Members get reminders before each payment is due, so the organiser never has to beg anyone.
Questions
How much does it cost?+
Joining is free. A 5% fee is taken from each payout when it’s your turn to collect; it funds the circle’s protection reserve. Card payments may carry a small processing fee shown before you pay.
What happens if someone doesn’t pay?+
Everyone can see who has paid. Members get reminders, and the protection reserve helps cover a missed payment so the person collecting that cycle isn’t left short.
Who decides the payout order?+
The order is set when the circle starts and recorded on our ledger, so it can’t be quietly changed later.
Do I need to know the other members?+
You can start a private circle with people you know, or join one of Kashlet’s ready-made circles with verified members.
Is my identity checked?+
Yes. Every member verifies with their BVN or NIN before saving, which keeps circles accountable.
Start saving together.
Download Kashlet, verify once, and join or create your first circle in minutes.